Pet

Pet Insurance is like health insurance for your pet. 

Getting Pet Insurance can help you save on veterinary costs, and it can provide peace of mind when it comes to your pet’s health and your budget.

• Go to any licensed veterinarian. Pet insurance doesn’t require you to stick to a network.
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• Pay the vet up front. Unlike health insurance, the vet doesn’t bill the insurance company for the costs. 
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• Submit a claim (a simple form and invoice from your vet) to the Pet Insurance company.
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• Wait on the decision. If you’ve been a careful shopper and read through the policy, you shouldn’t be too surprised by what happens.
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• Get paid by direct deposit or mail.

Some policies will limit the amount paid in claims for your pet, which means the insurance company will stop paying you back after they’ve reimbursed you for a certain dollar amount. There are also plans with no limits on payouts, which are still reasonably priced and can provide the greatest peace of mind. 

• Species: Cats cost less than dogs, and smaller pets are less expensive to insure than larger ones.
• Breed: A pet that’s susceptible to certain diseases will warrant a higher premium.
• Age: Older pets are more expensive to insure than younger ones.

Location: Pet Insurance often costs more in larger or more expensive cities.

Anything that is documented on your pet’s medical health record before you get Pet Insurance will likely be considered a preexisting condition and will be excluded from coverage.